Articles
<![CDATA[Pertumbuhan Kredit di Indonesia : Sebuah Analisis Kepatuhan Bank Terhadap Implementasi Basel Accord I-III ]]>
<![CDATA[Suryanto, Dadang Agus]]>
<![CDATA[ Jurnal ASET (Akuntansi Riset) Vol 11, No 2 (2019): Jurnal ASET (Akuntansi Riset) Juli -Desember 2019 [DOAJ & SINTA INDEXED] ]]>
Publisher : <![CDATA[Universitas Pendidikan Indonesia ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.17509/jaset.v11i2.18721
<![CDATA[Abastract. Legitimacy theory has a big role in strengthening the function of banks as intermediaries. This study aims to analyze bank compliance in lending in accordance with the provisions of the Basel Accord I - III. Based on the results of an analysis of national commercial banks in Indonesia using panel data regression, in the span of 2010 - 2017 it was found that the implementation of Basel Accord I - III became a reference for banks in Indonesia in conducting their business, this can be seen from credit growth in line with GDP Low NPL. Good loans growth is also determined from the carrying capacity of bank efficiency, capital adequacy, commitment to bank liabilities, and reference interest rates. All of these findings indicate that the banking industry in Indonesia reflects the suitability of various interests of the community, government and banking itself.Keywords. loans growth; bank compliance; basel accord i - iii Abstrak. Teori legitimasi memiliki peran besar dalam memperkuat fungsi bank sebagai perantara. Penelitian ini bertujuan untuk menganalisis kepatuhan bank dalam menyalurkan kredit sesuai ketentuan Basel Accord I – III. Berdasarkan hasil analisis terhadap bank umum di Indonesia dengan menggunakan analisis deskriptif dan regresi data panel, dalam rentang tahun 2013 – 2017 ditemukan bahwa implementasi Basel Accord I – III menjadi acuan penyusunan aturan perbankan di Indonesia, hal ini terlihat dari kepatuhan terhadap pengelolaan kredit bermasalah, kecukupan modal, dan efisiensi bank. Hasil pengujian hipotesis mengungkapkan NPL dan BOPO memiliki pengaruh yang signifikan terhadap pertumbuhan kredit namun CAR ditemukan tidak berpengaruh. Sementara itu variabel GDP maupun BI rate mempengaruhi pertumbuhan kredit. Temuan ini memberikan dukungan pentingnya pengawasan yang tepat terhadap kepatuhan bank dalam menjaga keberlanjutan bisnis bank sebagai lembaga intermediasi, dan pentingnya dukungan dari pemerintah untuk mengendalikan kondisi ekonomi makro.Kata kunci. Pertumbuhan kredit; kepatuhan bank; basel a ccord I – III]]>
<![CDATA[Analisis Net Operating Margin (NOM), Non Performing Financing (NPF), Financing to Debt Ratio (FDR) dan Pengaruhnya Pada Efisiensi Perbankan Syariah di Indonesia ]]>
<![CDATA[Suryanto, Dadang Agus]]>;
<![CDATA[Susanti, Sussy]]>
<![CDATA[ Jurnal Riset Akuntansi dan Keuangan Vol 8, No 1 (2020): Jurnal Riset Akuntansi dan Keuangan. April 2020 [DOAJ & SINTA Indexed] ]]>
Publisher : <![CDATA[Program Studi Akuntansi FPEB UPI ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.17509/jrak.v8i1.19331
<![CDATA[The research aims to empirically examine the factors that influence the efficiency of Islamic banking in Indonesia. The variables involved in this study include Net Operating Margin (NOM), Non Performing Financing (NPF) and Financing to Debt Ratio (FDR) as an independent variable with Costs Effeciency Ratio (BOPO) as the dependent variable which is a proxy for measuring efficiency. The objects of this study are 5 Islamic banks from BUKU II and BUKU III with financial data from Indonesian Sharia Banking Statistics periods from 2013 to 2017. The statistical analysis method used in this study is the Panel Data Regression Analysis. The results showed that the effect of significant independent variables in influencing Efisien (BOPO) only Non Performing Financing (NPF) with the magnitude of the NPF prediction capability on BOPO of 28, 98% while the rest are influenced by other factors. The results of this analysis are expected to be a guide in the management of Islamic banking. Limitations of this study were not carried out on all Islamic banking and Indonesian Sharia Business Units.Abstrak. Tujuan penelitian ini adalah untuk menganalisis faktor yang mempengaruhi tingkat efisiensi Perbankan Syariah di Indonesia, dengan mengukur variable Non Operating Margin (NOM), Non Performing Financing (NPF) dan Financing to Debt Rasio ( FDR) sebagai variable independen dan Biaya Operasional terhadap Biaya Operasional (BOPO) sebagai variable dependen yang menjadi proksi untuk mengukur efisiensi. Objek penelitian ini terbatas pada 5 bank syariah dari BUKU II dan BUKU III dengan menggunakan data keuangan dari Statistik Perbankan Syariah Indonesia untuk periode laporan dari tahun 2013 sampai dengan tahun 2017. Metode analisis statistik yang digunakan dalam penelitian ini adalah Analisis Regresi Data Panel. Hasil Penelitian menunjukkan bahwa pengaruh variabel independen yang signifikan dalam mempengaruhi efisiensi (BOPO) hanya Non Performing Financing (NPF) dengan besarnya kemampuan prediksi NPF terhadap BOPO sebesar 28,98 % sedangkan sisanya dipengaruhi oleh faktor lain. Hasil analisis ini diharapkan menjadi petunjuk dalam pengelolaan perbankan syariah. Keterbatasan penelitian ini tidak dilakukan pada seluruh perbankan syariah dan Unit Usaha Syariah Indonesia.]]>
<![CDATA[PENGEMBANGAN DAN PENINGKATAN KINERJA BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DAARUT TAUHID DALAM RANGKA MENINGKATKAN KESEJAHTERAAN UMAT ]]>
<![CDATA[Rahmat -]]>;
<![CDATA[Dadang Agus Suryanto]]>;
<![CDATA[Endang Ruchiyat]]>
<![CDATA[ Jurnal Dharma Bhakti Ekuitas Vol 4 No 1 (2019): Jurnal Dharma Bhakti ]]>
Publisher : <![CDATA[STIE Ekuitas ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.52250/p3m.v4i1.157
<![CDATA[Program pengabdian masyarakat ini bertujuan memberikan pembinaan tentang pengembangan kinerja BPRS dan memberikan pemahaman tentang penerapan tata kelola BPRS yang baik, berdasarkan pertimbangan pemikiran bahwa BPRS sangat berperan dalam memberdayakan ekonomi umat berdasarkan prinsip Syariah dengan mengembangkan golongan ekonomi lemah yaitu Usaha Mikro, Kecil, dan Menengah (UMKM). Kegiata pengabdian melibatkan pengurus, pejabat eksekutif dan pegawai BPRS. Melalui program pengabdian tersebut memberikan nilai tambah dan manfaat khusunya untuk BPRS Daarut Tauhid, sehingga dapat mengelola Dana dengan baik dan menyalurkan pembiayaan kepada UMKM meningkat. Berkembangnya usaha dan berjalannya prinsip-prinsip tata kelola yang baik diantaranya terdapat kelengkapan kebijakan, pedoman/SOP, peningkatan kualitas Sumber Daya Insani, penataan teknologi akuntasi, serta adanya perluasan jaringan, kinerja BPRS Daarut Tauhid semakin tumbuh dan berkembang, UMKM berkembang berdampak pula pada meningkatnya kesejahteraan umat. Keberadaan BPRS Daarut Tauhid juga memberikan pengaruh terhadap terjadinya pengembangan ekonomi Syariah pada daerah tersebut.]]>
<![CDATA[PKM PENINGKATAN KUALITAS SUMBER DAYA MANUSIA DI RA/TK NURUL HUDA MELALUI KETERAMPILAN KOMPUTER DAN ADMINISTRASI PERKANTORAN ]]>
<![CDATA[Sudi Rahayu]]>;
<![CDATA[Iim Hilman]]>;
<![CDATA[Dadang Agus Suryanto]]>
<![CDATA[ Jurnal Dharma Bhakti Ekuitas Vol 4 No 1 (2019): Jurnal Dharma Bhakti ]]>
Publisher : <![CDATA[STIE Ekuitas ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.52250/p3m.v4i1.161
<![CDATA[Mencerdaskan generasi penerus melalui pendidikan yang berkualitas merupakan tugas negara yang harus mendapat dukungan penuh darimasyarakat. Sistem pendidikanakan berjalan dengan baik apabila didukung dengan sumberdaya manusia yang baik pula. RA/TK Nurul Huda yang bergerak dalam dunia pendidikan anak mempunyai permasalahan dalam meningkatkan kemampuan SDM nya, khususnya di bidang pengadministrasian dan pengarsipan dokumen. Lemahnya pengadministrasian dan pengarsipan ini sering menimbulkan permasalahan, seperti misalnya data siswa, nilai, surat-surat yang hilang. Menyadari hal tersebut maka pihak sekolah meminta bantuan kepada tim pengabdian STIE Ekuitas untuk memberikan pelatihan peningkatan kemampuan SDM. Pelatihan yang diberikan berupa pelatihan MS Word, Excel, dan administrasi perkantoran. Pelatihan ini diharapkan dapat meningkatkan kemampuan guru dan staf dalam mengelola sekolah, karena melalui pelatihan MS Word, Excel guru dan staf dilatih untuk membuat arsip data nilai, soal, surat-surat, dan laporan keuangan ke dalam bentuk file dan folder agar dapat tersusun berdasarkan waktu pembuatan. Sedangkan pelatihan administrasi perkantoran dapat meningkatkan kemampuan guru dan staf dalam membuat draft surat keputusan, ekspedisi surat, dan lain-lain. Hasil pengabdian akan dibuat dalam bentuk laporan dan akan dipublikasikan dalamjurnal pengabdian nasional.]]>
<![CDATA[The Effect of Bank Liquidity and Efficiency on Non-Interest Income with National Income as Variables Moderator ]]>
<![CDATA[Dadang Agus Suryanto]]>;
<![CDATA[Disman Disman]]>;
<![CDATA[Nugraha Nugraha]]>;
<![CDATA[Ika Putera Waspada]]>;
<![CDATA[Sugiyanto Sugiyanto]]>
<![CDATA[ Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 1 (2021): Budapest International Research and Critics Institute February ]]>
Publisher : <![CDATA[Budapest International Research and Critics University ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.33258/birci.v4i1.1680
<![CDATA[Empirically, non-interest income from banks in Indonesia has increased in the last five years. Apart from being caused by efficiency issues and the level of risk in interest income, the increase in non-interest income was due to the proliferation of electronic-based banking services. In an effort to understand the influence factors on non-interest income, this study examines the effect of market concentration on third party funds, credit market concentration, capital adequacy, bank liquidity, bank efficiency, non-performing loans, leverage, and reference interest rates on non-interest income. In addition, testing the effect of bank and macroeconomic characteristics variables on non-interest income with national income as a moderating variable and the effect of bank and macroeconomic characteristics on non-interest income with inflation as a moderating variable. This research uses descriptive methods and causality. The research was conducted at conventional National Commercial Banks in Indonesia, which is divided into the periodization of the financial crisis era, namely 2006-2011 and post-financial crisis, namely 2012-2017. The data collection technique used by researchers is the documentation method. The data analysis technique was performed using unbalance panel data regression analysis. The results showed that bank liquidity and bank efficiency had a significant effect.]]>
<![CDATA[Pendampingan Penyusunan Pedoman Staffing Model Untuk Meningkatkan Efisiensi Usaha Pada PT. Asuransi Bangun Askrida Bandung ]]>
<![CDATA[Endang Ruchiyat Ruchiyat]]>;
<![CDATA[Rahmat Rahmat]]>;
<![CDATA[Dadang Agus Suryanto]]>
<![CDATA[ Indonesian Community Service and Empowerment Journal (IComSE) Vol 2 No 2 (2021): Inonesian Community Service and Empowerment Journal (IComSE) ]]>
Publisher : <![CDATA[Divisi Pengabdian dan Pemberdayaan Masyarakat (DP2M) UNIKOM ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (326.547 KB)
|
DOI: 10.34010/icomse.v2i2.5449
<![CDATA[This community service activity was carried out in Kelurahan, Cijagra, Lengkong District, Bandung City, 40253 with the target of PT. Askrida Insurance Bandung. Based on interviews and observations, the problems faced by partners today are the amount of premium rates that are difficult to compete with similar companies, poor work governance that requires employees to work overtime every day and the slow delivery of services to customers. This program has the following objectives: 1) improving the welfare of the community through the improvement of healthy financial institutions, especially insurance 2) improving the skills and professionalism of the community 3) increasing business efficiency for partners so that they are able to compete and serve the community better. This activity uses two approaches, namely the training and mentoring approach. The training approach includes: 1) job analysis training; 2) training on work load analysis (work load analysis); and 3) skills training for the preparation of staffing model guidelines. While the mentoring methods include: 1) assistance in conducting job analysis; 2) workload analysis assistance; 3) assistance in the preparation of staffing model guidelines. The results of this community service activity have an impact on clients to be able to organize their employees well, so as to improve business efficiency and serve the community better.]]>
<![CDATA[The Effect of Bank Characteristics on Return on Asset with Macroeconomics as Moderation ]]>
<![CDATA[Dadang Agus Suryanto]]>;
<![CDATA[Sussy Susanti]]>;
<![CDATA[Sugiyanto Ikhsan]]>
<![CDATA[ International Journal of Economics Development Research (IJEDR) Vol. 4 No. 2 (2023): International Journal of Economics Development Research (IJEDR) ]]>
Publisher : <![CDATA[Yayasan Riset dan Pengembangan Intelektual ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.37385/ijedr.v5i1.3209
<![CDATA[The banking industry as a sub-system of the financial services industry is often considered as one of the determinants in the course of a country's economy, because banking can be used as a barometer of a country's economic stability. Healthy bank growth is a sign of an improving country's economy, so from a macro perspective it is an important industry that gets attention from the government. Profitability is one of the references for banking performance, the higher the profit earned indicates the company's performance is good. Return on Asset (ROA) as an indicator of financial success used to determine the efficiency of a business in creating profits through the utilization of its total assets. An increase in ROA indicates that the bank company has strong future prospects due to opportunities for profit growth. Therefore, to maintain or increase ROA, it is necessary to pay attention to influencing factors, including Capital Adequacy Ratio (CAR), Loan To Deposit Ratio or Loan To Funding Ratio (LDR / LFR) and Non Performing Loan (NPL) as well as economic growth (GDP) and Inflation as macroeconomics that have an impact on the people's economy. This research uses a quantitative approach, using data from state-owned banks during 2010-2020. Data analysis using multiple regression tests previously carried out classical assumption tests, so as to obtain research results that are relevant to the state of banking companies. The results showed that partially NPL, GDP, and Inflation have an influence on ROA, while CAR and LDR have no influence on ROA. The moderation model shows that GDP is able to moderate CAR, NPL. and Inflation, while Inflation is only able to moderate NPL and GDP.]]>
<![CDATA[Analisis Dampak Restrukturisasi Kredit pada kinerja Perbankan ]]>
<![CDATA[Suryanto, Dadang Agus]]>
<![CDATA[ Syntax Literate Jurnal Ilmiah Indonesia ]]>
Publisher : <![CDATA[Syntax Corporation ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.36418/syntax-literate.v9i12.17201
<![CDATA[Restrukturisasi perbankan sering kali dipicu oleh kondisi ekonomi yang tidak stabil, baik di tingkat global maupun domestik. Tujuan dalam penelitian ini adalah untuk mengetahui dan mendeskripsikan analisis dampak restrukturisasi pada kinerja perbankan di indonesia. Metode Penelitian ini menggunakan kuantitatif. Serta hasil penelitiannya dengan systematic literature review dari beberapa hasil penelitia yang telah dilakukan. Temuan dari 10 sampel data yang diperoleh dengan menghitung rasio likuiditas dari laporan keuangan menunjukkan bahwa rata-rata perusahaan perbankan masih mampu memenuhi kewajibannya di masa pandemi ini, meskipun restrukturisasi pinjaman diperpanjang]]>
<![CDATA[Government Liquidity Placement and Bank Financial Performance: Evidence from Indonesian State-Owned Banks ]]>
<![CDATA[Suryanto, Dadang Agus]]>
<![CDATA[ JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) Vol. 10 No. 1 (2026): April ]]>
Publisher : <![CDATA[Program Studi Akuntansi Universitas Langlangbuana Bandung ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.36555/jasa.v10i1.2993
<![CDATA[This study examines the relationship of government liquidity placements on the financial performance of state-owned banks (SOEs) in Indonesia during the post-pandemic economic normalization period. Although government funds are intended to enhance intermediation capacity and financial system stability, empirical evidence regarding their relationship on bank profitability remains limited. This study employs a quantitative research design using panel data regression with a fixed effects model (FEM). The analysis is conducted on four major state-owned banks over the period 2020–2024. The model controls for bank-specific variables, including the loan-to-deposit ratio (LDR), non-performing loans (NPL), operational efficiency (BOPO), and third-party funds (DPF). The results indicate that the direct relationship of fund placements on return on assets (ROA) is weak, while net interest margin (NIM) declines significantly, reflecting a trade-off between additional liquidity and interest income. However, the lagged relationship on ROA is positive and marginally significant, suggesting that banks require time to channel liquidity into productive lending. This study provides empirical contributions to the understanding of government liquidity dynamics in state-owned banks and their implications for managerial decision-making and fiscal policy.]]>
<![CDATA[Analysis of the Role of Digital Technology in Improving Banking Customer Personalization ]]>
<![CDATA[Dadang Agus Suryanto]]>
<![CDATA[ Eduvest - Journal of Universal Studies Vol. 5 No. 7 (2025): Eduvest - Journal of Universal Studies ]]>
Publisher : <![CDATA[Green Publisher Indonesia ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.59188/eduvest.v5i7.51955
<![CDATA[This study aims to analyze the role of digital technology in enhancing personalized services for banking customers. The development of digital technology has allowed banks to access customer data more effectively, which is then used to deliver more personalized services. This research employs a quantitative method with a descriptive and causal approach. Data were collected through a survey involving 300 customers from various banks that have utilized digital banking services. The findings of this study indicate that the use of digital technologies, such as mobile banking applications and internet banking, positively influences the level of personalized services received by customers. Additionally, the study also found that although customer satisfaction with digital banking services is relatively high, concerns about data security remain a challenge that needs to be addressed. The study concludes that digital technology plays a crucial role in improving the more personalized and relevant banking experience; however, banks must continue to develop security systems to ensure customer trust.]]>
